Get approved for the life you’re working toward.

There are three programs. Digital is $49.99 a month, one price with no enrollment fee. Standard is a one-time $350 enrollment fee, then $150 a month, with your file worked for you. VIP is $3,500 for the full program, with direct access to Angelo. You can move up anytime, and you see the full cost before you sign up.

Most clients see their first inaccurate or unverifiable items removed or updated within 30 to 90 days. Full timelines typically run 3 to 6 months depending on the number and type of items.

Collections, charge-offs, late payments, repossessions, medical bills, bankruptcies, tax liens, and judgments. If it is inaccurate, outdated, or unverifiable, it gets challenged.

You get a written credit audit, and Angelo walks you through it: credit score basics, your scores and summary, an analysis of every account, how the process works, and your part in it if you move forward. It also shows what a low score is costing you on a car or a home. You hang up knowing where you stand, which program fits your goal, and its full price.

Anyone with a goal that runs through their credit: buying a home, refinancing, financing a car, getting business funding, or paying down debt. If your report is standing between you and an approval, start here.

Yes. Active credit monitoring is needed for every program. It gives you access to your report and scores from all the bureaus, which is needed to work on your file. Digital's monthly price already covers it. For Standard and VIP, you sign up for SmartCredit® monitoring through our site. It's a separate membership, $29.99 per month, billed by SmartCredit® and cancelled separately from your program.

Angelo Garay and his team have been helping clients with their credit for over 5 years and have worked with 1,000+ clients nationwide. Tailor Your Credit is a registered business serving clients across the US.

Yes. Under federal law (the Credit Repair Organizations Act), you have the right to cancel any service agreement within 3 business days of signing for any reason, with no penalty and a full refund. Beyond that window, you are never locked in. You can pause or stop at any time. A $79.99 reactivation fee applies if you restart after a pause due to missed payments.

Your plan does not have to end there. After a Standard or VIP program you can move to Digital, keep your file protected, and start on the next goal, whether that is a car, business funding, or paying down debt.

That is exactly when most people reach out. A denial does not mean you are stuck. It means there are specific items on your report that need to be addressed before you apply again.

No one can legally guarantee specific credit outcomes. What Angelo guarantees is a thorough review of your file, honest pricing, and a strategy built around what is actually on your report.